Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,164 | +0.008% | 1,119 | |
2 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $1,133 | +0.037% | 194 | |
3 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $1,301 | -0.644% | 55 | |
4 | IDAHO CENTRAL CREDIT UNION | Strong | Sound | Strong | Exceptional | $2,087 | +0.104% | 1,435 | |
5 | Zions Bancorporation, N.A. | Strong | Strong | Sound | Strong | $3,414 | -0.185% | 128 | |
6 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | $2,825 | +0.251% | 98 | |
7 | KeyBank National Association | Strong | Strong | Strong | Sound | $2,306 | +0.013% | 43 | |
8 | FIRST TECHNOLOGY FEDERAL CREDIT UNION | Strong | Strong | Strong | Sound | $172 | +0.264% | 32 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,431 | +0.118% | 845 | |
10 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $4,911 | +0.278% | 719 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $4,903 | +0.194% | 336 | |
12 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,229 | +0.114% | 315 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,731 | +0.006% | 185 | |
14 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,802 | +0.119% | 110 | |
15 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Sound | $2,596 | -0.016% | 57 | |
16 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,369 | -0.044% | 54 | |
17 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,488 | +0.304% | 430 | |
18 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Exceptional | $5,006 | +0.213% | 350 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $5,019 | +0.289% | 324 | |
20 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,871 | +0.203% | 179 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $4,530 | +0.107% | 173 | |
22 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $3,249 | +0.167% | 131 | |
23 | Mountain America Federal Credit Union | Strong | Sound | Sound | Strong | $4,166 | -0.106% | 105 | |
24 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $3,738 | +0.285% | 67 | |
25 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $4,461 | +0.276% | 59 | |
26 | MY MOVE MORTGAGE, LLC | Strong | Sound | Strong | Sound | $4,273 | +0.031% | 48 | |
27 | PIONEER FEDERAL CREDIT UNION | Strong | Sound | Sound | Strong | $3,074 | +0.063% | 36 | |
28 | First Federal Savings Bank of Twin Falls | Strong | Sound | Strong | Sound | $3,322 | -0.161% | 30 | |
29 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Exceptional | $6,070 | +0.458% | 332 | |
30 | Sunflower Bank, National Association | Strong | Acceptable | Strong | Strong | $4,343 | +0.225% | 162 | |
31 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,918 | +0.342% | 150 | |
32 | CLM MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $5,998 | +0.039% | 141 | |
33 | CAPITAL EDUCATORS FEDERAL CREDIT UNION | Strong | Sound | Acceptable | Strong | $3,722 | -0.410% | 86 | |
34 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,721 | +0.159% | 81 | |
35 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $2,993 | +0.269% | 80 | |
36 | Bank of England | Strong | Acceptable | Strong | Strong | $2,590 | +0.125% | 70 | |
37 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Sound | $3,958 | +0.357% | 46 | |
38 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $1,664 | -0.116% | 27 | |
39 | PREMIER MORTGAGE RESOURCES, L.L.C. | Sound | Mediocre | Strong | Exceptional | $5,507 | +0.194% | 570 | |
40 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $5,493 | +0.308% | 306 | |
41 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $4,965 | +0.452% | 89 | |
42 | JMJ FINANCIAL GROUP | Sound | Acceptable | Sound | Strong | $4,366 | +0.472% | 85 | |
43 | RIGHT START MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | $7,285 | +0.728% | 67 | |
44 | Plains Commerce Bank | Sound | Acceptable | Strong | Sound | $3,928 | +0.019% | 65 | |
45 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $3,780 | -0.023% | 58 | |
46 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $3,833 | +0.123% | 34 | |
47 | D. L. EVANS BANK | Sound | Acceptable | Strong | Sound | $4,376 | -0.024% | 32 | |
48 | Sierra Pacific Mortgage Company, Inc. | Sound | Acceptable | Strong | Sound | $3,162 | -0.132% | 29 | |
49 | NATIONS DIRECT MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $2,974 | -0.075% | 27 |
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Get personalized recommendations based on your specific needs